USDA Vs. FHA your options comparison in Hot-Springs-Village, Saline County, AR
In 2026, the USDA loan limit in Hot-Springs-Village, Saline county, AR, is $285,000, while the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates and figure out the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, enabling you to choose the best program for your financial situation in Alabama.
2026 Loan Limits and Down Payment Requirements in Hot-Springs-Village, Saline, AR
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Hot-Springs-Village, AR
The mission of Lendersa® is to seamlessly secure the optimal USDA or FHA loans with speed and ease. Select from three introductory paths that facilitate a match with lenders and USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that necessitate a 3.5% minimum down payment, USDA mortgages require no down payment.
190 Aviation Plaza, Suite E, Hot Springs National Park, AR, 71913
Lends in Arkansas
The mission of the Garland County Educators’ Federal Credit Union is to provide our members with high quality, personal, financial education and services through a safe, sound, democratic alternative to traditional financial institutions.
We are a not-for-profit, member-owned, federally insured federal credit union.
Combined Federal Credit Union is a voluntary, nonprofit, cooperative association of individuals sharing a common employment bond as defined by our field of membership. Each member is an owner of the Credit Union and is entitled to a single vote regarding the business of the Credit Union.
The Rudkin & Associates Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Hurricane Creek FCU is a not-for-profit financial cooperative that is member owned and democratically controlled. It was organized in May 1957, as Reynolds Hurricane Creek FCU under the concept of "people helping people". Currently the Credit Union serves over 3,950 members in the Saline County area. Each member is an owner, a saver
The mission of Alcoa Community Federal Credit Union is to deliver the highest quality financial service to our members while promoting our difference as a credit union. We are a not-for-profit financial institution owned by the folks that save and borrow money at our CU! With ACFCU, you’re a member and part owner of the cooperative, not a customer.
Diamond Lakes Federal Credit Union is a full service financial institution ready to serve you as a member, not just as a customer! We are a not-for-profit financial cooperative owned by the folks that save and borrow money at Diamond Lakes. Profits are returned to members in the form of lower rates on loans, less fees
MNB is a full service community Bank committed to providing top quality personal and business financial services, delivered by associates who are dedicated to the highest level of personal service. Since 1934, we have been providing professional Banking services to central Arkansas.
Encore Bank is a private, boutique bank with a commercial focus that couples highly experienced and talented bankers with innovative technology to offer unprecedented levels of personal service and experiences to its clients through a hospitality-inspired concierge approach. Encore provides a full suite of financial products
17901 Chenal Pkwy, Suite 100, Little Rock, AR, 72223
Lends in Arkansas
Bank OZK, we strive to build on our community Bank heritage by combining high ethical standards with innovative technologies to deliver truly exceptional service to our clients and communities. We are committed to implementing new ideas and cultivating relationships that encourage our communities, large and small, to grow and thrive.
